by California Casualty | Auto Insurance Info |
*Updated June 2018
The dog days of summer don’t just leave you overheated and exhausted, they take a toll on your vehicle.
Did you know?
- Summer heat drains your battery faster than the cold of winter. Excessive heat and overcharging are the two primary causes of premature battery failure
- Exposure to prolonged sunshine can fade your car’s paint
- Extremely hot days tax the air conditioning and cooling system of your vehicle
- Lubricating oil can break down under extreme heat conditions
The Car Care Council recommends these routine maintenance practices to keep your vehicle operating under hot summer conditions:
- Periodically check and test batteries for proper charging
- Make sure your cooling system has the proper anti-freeze/coolant and all belts, hoses and the water pump are properly working (never open a hot radiator cap; the liquid inside is a scalding 200 degrees or hotter)
- Check the air conditioning system for leaks and proper coolant
- Make sure the viscosity of your motor oil will stand up to hot weather days (10W-30 or 10W-40)
If you are planning to hit the road for a long trip you should also:
- Check the tires for tread and proper inflation
- Make sure the spare tire is inflated and there is a jack and tire changing tools
- Test your windshield wipers and change them if they are streaking
Consumer Reports advises that you should also have a basic safety kit that consists of:
- Cell phone and spare battery
- First aid kit
- Fire extinguisher
- Warning light or reflective triangles
- Tire gauge
- Jumper cables
- Foam sealant for flat tires
Things you should know how to do in case you have a roadside emergency:
You also need the proper insurance to protect your vehicle and those riding with you. Call a California Casualty advisor today for a policy review and comparison, 1.800.800.9410 or visit www.calcas.com.
Sources for this article:
https://www.carcare.org/2014/06/dream-vacation-or-nightmare-road-trip-pre-trip-vehicle-check-can-make-the-difference/
https://www.carcare.org/2014/06/four-symptoms-of-a-sick-cooling-system/
https://www.consumerreports.org/cro/2012/03/roadside-emergency-kit-what-to-carry-with-you/index.htm
by California Casualty | Firefighters |

In 2013, on duty deaths caused by sudden cardiac events accounted for 35% off on-duty deaths. That’s not including others who sustained damage to their hearts and cardiovascular systems but died off duty.
It should come as no surprise that the overall killer of American men is also the number one cause of death for firefighters—both on duty and off. What should come as a surprise is that in many ways, heart disease is preventable or at least manageable. The U.S. Fire Administration (USFA)’s 2013 annual report listed 37 firefighter deaths (out of 100) due to stress or exhaustion, a broader category including not just heart attacks but also strokes, or other similar medical events. Of those 37 on-duty deaths, 36 were heart attacks.
In fact, for the average American, heart disease is the number one killer. One in every four deaths in America is the result of heart disease. It’s no surprise then that an occupation that puts such strain on the body would see an increased risk as well (more than 1 in 3). It important to note the difference between career firefighter deaths caused by cardiac arrest and those of volunteers is staggering. In some years, more than 50 percent of all volunteer firefighter deaths were caused by cardiac events according to the NFPA.

A fatality of this sort doesn’t mean that the firefighter was in poor shape; the nature of the job contributes to the risk factors. But what can be said with certainty is that maintaining proper fitness can greatly affect the risk of heart disease, making it essential for such an at-risk group.
Heart health is about habits. And there are several things that you can do today to improve your own health, as well as the health of all the firefighters in your department.
- Get your checkup…and stay up-to-date
The first step is to keep a close eye on your health—making sure that you are regularly getting checkups with your doctor and that you are following medical advice and getting the care you need. The basic checkup exam can provide clues to your doctor regarding the health of your heart.
You heart can be damaged by high blood pressure and high cholesterol. It’s critical that you get both levels checked by a doctor on a regular basis. For your blood pressure, you should get checked at least every two years, according to the Mayo Clinic. If there are any risk factors present or your blood pressure rises, you’ll want to increase the frequency with which you get checked. You need to get your cholesterol checked less often, at least once every five years, unless there are additional risk factors.
- Make exercise a priority
Exercise is an absolutely crucial aspect of heart health. Exercise strengthens your heart, lowers your blood pressure, and can help decrease stress and boost your mood. Effective exercises include walking, running, biking or swimming. Anything that ups your heart rate and keeps it elevated for a period of 30 minutes will work.
Look at the American Heart Association’s Physical Activity Guidelines and think about how you can adopt them to stay healthier. In short, they recommend at least 150 minutes of moderate-intensity aerobic activity per week, or 30 minutes, five days a week.
Implementing change is always the hardest part. NVFC suggests that all departments adopt NFPA 1500: The Standard on Fire Department Occupational Health and Safety Program. They have created a step-by-step guide for implementation to help departments get started.
- Watch what you eat
Also look at how—and what—you’re eating. Switch to whole-grain where you can, and eat more omega-3 fatty acids, which can be found in foods like fish and walnuts. More generally, try to eat foods that are closest to their natural form. As a rule, these will be better for not just your heart, but you’re whole body.
Also consider how you can improve the diet of your fellow firefighters at the station. You can find options, such as oatmeal or black beans, which are both heart healthy and soft on the budget for on duty meals. But you can also leverage other members of your community. You may even be able to get a dietician, a nutrition student from a local community college, or even a local chef to donate some time at the station to help guide the on-duty diet.
- Take advantage of firefighter-specific heart health programs
Experts recommend that fire departments provide wellness and fitness programs that emphasize continued health of firefighters. These programs should include annual evaluations of physical performance.
You should familiarize yourself with the resources available to you. For example, the National Volunteer Fire Council’s Heart-Healthy Firefighter Program offers a number of resources for departments including information on how to implement a health and wellness program for your department, as well as offering workshops and training on building motivation for health in wellness in a department.
The International Association of Fire Chiefs (IAFC) also has a Wellness/Fitness Task Force, which offers three major programs of interest: the fitness initiative, seeking to build positive, individualized fitness programs, the candidate physical ability test in order to evaluate and assist in the selection of firefighters, and a firefighter peer fitness trainer certification.
There’s a lot of data that suggests you can better manage heart related illness and death. With such a large percentage of on-duty deaths due to cardiac arrest, it makes sense to mitigate those risks where possible. More importantly, that effort put into prevention can save lives and improve the quality of life for firefighters.
by California Casualty | Educators |

For many teachers, the beginning of the school year is both exciting and overwhelming. In the final few weeks of summer, their minds are racing with thoughts of lesson plans, class rosters, assessments, Back-To-School Night, and classroom set up. Before you dive into your classroom theme or your new reading corner, consider the following items as you prepare the upcoming school year:
1. Tackle Your Personal “To Do” List
Seemingly small tasks can become a burden during the hectic school year. Do yourself, and your family, a favor by taking care of these things before you head back to school. Get household affairs in order: make doctor/vet appointments for all members of the family, finish incomplete summer projects, and tackle any needed car or home maintenance. It would also be a good time to evaluate your personal finances – including your auto and home insurance. Check out the “Get a Quote” box to the right. You might be able to save some serious money!
Fewer items on your personal/family “To Do” list means more time to grade papers and plan lessons, right?
2. Plan Ahead for Professional Development
Once the school year has started, it may be difficult to switch from thinking about lesson plans, to thinking about your professional development. Many districts lack the funds to provide quality professional development opportunities to teachers. If this is true for you, check out the continuing education courses at your local university. Before the school year begins, enroll in coursework that will benefit you in your professional development. Some school districts may even have a tuition reimbursement program.
3. Re-establish Routines
Make it a point to re-introduce daily routines before the school year begins. Many of us get used to a more relaxed routine during the summer months: bedtimes are later, mornings are less hurried, and brains take a break.
A week or two before school begins, introduce your usual routine. You can start slowly, or all at once. Create (and stick to) bedtimes, set morning alarm clocks, practice bathroom routines, and eat a healthy breakfast. Don’t forget to incorporate some reading time into that routine! Having a routine in place before heading back to school, for both teachers and students, helps ease the transition from summer to the school year.
4. Take a Moment for Yourself
Take a day, a half-day, or even just an hour, before you head back to school for some “me” time. Lounge by the pool, give yourself a pedicure, get a haircut, watch a movie, or even have a spa day. Whatever your choice of leisure activity, squeeze in some time for yourself before diving into the new school year.
Cheers to a great new school year!
Erin Randolph has taught elementary school in Louisburg, Kansas for eight years. She lives in Olathe, KS with her husband, a three-year-old son, and a two-year-old daughter (and a seven-year-old border collie).
by California Casualty | Nominate a Hero |

Vickie is a dedicated nurse, and has a big humanitarian heart. Vickie has been involved in many aspects of local and global humanitarian services most of her life. One reason Vickie is an above average nurse is because she goes beyond the call of duty. Rarely does she say no to an opportunity to promote the service of the organization in which she is a part. She has participated in many works in East Africa; whereas, she has organized: health care to villagers and orphans, built (with help of supporters) a primary school, built latrines, facilitated the building of wells in rural villages of Kenya and taught infection prevention principles. She also worked in Haiti after the 2010, 7.0 magnitude earthquake located 15 miles from Port-Au-Prince. Her responsibilities included helping the populace to find shelter and provided healthcare screening to injured victims.
Vickie actively supports and leads the annual February, “Wear Red Day” activities in her community to educate women about heart disease. Heart disease is the number one killer of women in the US. She is also involved in helping foster care youth of the county in which she lives, to acquire life skills and plan for a good future. Friends and colleagues say she is very easy to talk to, compassionate, and an excellent leader. She is well respected by colleagues, superiors, and her community. In 2014, her community awarded her the Outstanding Women of Silicon Award. Vickie is married and has two sons.
by California Casualty | Educators |

Pictured here from left to right are: Susan Frantz (Group Marketing Team Manager, California Casualty), Tom Torlakson (CA Superintendent), Beau Brown (CEO, California Casualty) and Lisa Almeida (Assistant Vice President Group Marketing, California Casualty)
The Association of California School Administrators and California Casualty are mutually committed to serving members who lead great schools. California Casualty is proud to stand with ACSA for more than 30 years as it supports the administrators who encourage and steer their staff to attain new heights in an ever changing education environment. ACSA lends support to its members through professional development, sharing of great ideas and innovation and with benefits of membership.
As the Presenting Sponsor of the California Department of Education’s School Recognition Program, California Casualty has recommitted to ACSA’s goal of supporting California’s educators and administrators, helping make possible events that honored the 2015 Teachers of the Year, Classified School Employees of the Year, and the 373 secondary schools named 2015 Gold Ribbon Schools.
California Casualty CEO Beau Brown remarked what a privilege it was to play a key role in acknowledging the achievements and successes of California educators and their schools. “Our partnership with the California Department of Education is a testament of how schools, businesses and communities can come together to promote the remarkable successes of those developing the minds of our future generations.”
ACSA and California Casualty salute the great work of administrators across the Golden State and the schools they lead. Together, our organizations are able to do more for the ACSA members we serve. A California Casualty representative would welcome the opportunity to explain the many benefits that come with ACSA membership. If you would like more information, contact Roxanne Dean, 1.800.964.3903 ext. 5923 or [email protected].